The Best Interest Podcast

Nonillion… That’s a number so big, I hadn’t heard it before recording this episode. Should you budget and track every single dollar you spend? Should you put 10 percent of your income into your 401k? These are just two of the typical questions I get asked when it comes to money management. In fact, when you think about the hundreds of decisions the average person is faced with in their financial journey, you end up with a nonillion different possible outcomes.   This week I brought on Cody Garrett to make these decisions a little clearer. With dual degrees in music theory and contemporary piano performance, Cody shifted gears in 2018 to focus on his growing interest in finances. Having served as a music director for renowned Broadway shows to now, sharing actionable personal finance advice, Cody's journey is a testament to his drive and adaptability. Cody runs his firm that caters to DIY investors on the path of early retirement, and also educates over 1000 financial advisors, impacting the future of financial planning in a meaningful way.   Just because you’re a do-it-yourself investor doesn’t mean you have to do it alone. -Cody Garrett   Key Takeaways: Teaching is the best way to learn Understanding advice only financial planning The Transition Zone of financial planning: tax planning Traditional vs. Roth Contributions Marginal vs Effective Tax Rates The “Kiddie Tax” and 529 plans   Mentions: https://bestinterest.blog/financial-advisor-questions/   More of Guest: 🌐 Website: https://measuretwicefinancial.com/ 👉🏼 LinkedIn: https://www.linkedin.com/in/codylgarrett/ 🎙️ Podcast: https://podcasts.apple.com/us/podcast/measure-twice-money/id1608034167   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

How do you know when you are taking the right financial road? Should you prioritize saving money to be better off in the future? Or is it more beneficial to ensure you are using money as a resource for happiness in the present? Our guest today, Carl Jensen, has chosen the first option for the majority of his life, using money not as a resource for happiness, but one to defend against hardships. Recently, however, Carl has begun to take this road less traveled to optimize experiences while investing in his happiness. In this episode, we discuss how the household finances of our childhood can affect our spending habits as adults, and how to use exposure therapy to overcome the anxiety surrounding happiness based purchases.    Key Takeaways: How the household finances of our childhood can affect our long term financial habits Overcoming financial trauma How to spread good financial habits to those close to us Why taking the road less traveled isn’t always the better option How to use exposure therapy to start making purchases for happiness How to overcome anxiety around an experience-based purchase Stepping away from money-first thinking to focus on the experience   Mentions: Bigger Pockets Money Podcast Episode with Jesse: https://www.biggerpockets.com/blog/money-335 I Will Teach You To Be Rich Podcast Episode with Carl and Mindy: https://www.iwillteachyoutoberich.com/108-mindy-carl/ 1500 Days Blog Post “Why Ramit?”: https://www.1500days.com/why-ramit/  Die With Zero: https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358099765   More of Carl: 🌐 Website: https://www.1500days.com  🎙️ Podcast: https://milehighfi.com   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Today on the podcast, we have a fascinating guest. He's a gentleman by the name of Fritz Gilbert. He runs a blog called The Retirement Manifesto. As you might guess from the name of Fritz's blog, it's all about retirement. Now, yes, Fritz covers the nuts and bolts, the numbers of retirement, but we talk even more regarding the softer side of retirement, the things that retirees ought to be thinking about when it comes to just day-to-day life that they probably aren't thinking about. If you're younger like me, this might not quite apply to you yet, but I bet it applies to your parents, your aunts and uncles, and your older mentors at work. So, it’s important we get people to think about these topics sooner. Enjoy!   Mentions: Morningstar’s The Long View Interview with Fritz: https://www.morningstar.com/podcasts/the-long-view/e8b3c47b-0e67-4c00-b146-8b1060a5d604 The Retirement Manifesto Blog: https://www.theretirementmanifesto.com/blog/   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

What exactly does it mean to live a regret free life? Our guest today, Jordan Grumet aka Doc G, shares the observations he’s made as a hospice doctor. We get into a discussion about how money is a mirage. Many people view it as this big important thing, but in reality it’s just a construct. It helps us achieve other things, and it's those other things which are truly important, not the money itself. It can be easy to forget money is just one of many tools at your disposal in building a happy life. So, today we extrapolate what those tools might be, and how money fits in the middle of it all.   Mentions: Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life: https://amzn.to/45e47Ol   More of Jordan: Website: https://jordangrumet.com/ Podcast: https://open.spotify.com/show/2CdpAR3sgltBBhDcpWRq0g   More of The Best Interest: The article I read from today: https://bestinterest.blog/where-life-happens/ Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Today, I’m going to share the five false proxies leading people astray in their financial goals. In fact, what if I told you a recent study revealed your $1 million investment principal was more likely to quadruple than remain flat even after decades of enjoying a 4% withdrawal rate? Would you rethink your saving strategy? Would you consider passing along some of your inheritance sooner in life? With that said, how do we come close to dying with zero? Our guest today has plenty of thoughts on bolstering the longevity of our finances, and surprisingly, his number one tip has nothing to do with your money. We also discuss lump sum investments vs dollar cost averaging and if you should be worrying about pennies when you might be missing out on dollars. I hope you enjoy my conversation with the creator of Of Dollars and Data, Nick Maggiulli. Mentions: Just Keep Buying: Proven Ways to Save Money and Build Your Wealth: https://amzn.to/3DCXs43 Die With Zero: Getting All You Can from Your Money and Your Life: https://amzn.to/3DAXnhs Outlive: The Science and Art of Longevity: https://amzn.to/457Yh0D   More of Nick: Blog: https://ofdollarsanddata.com/ LinkedIn: https://www.linkedin.com/in/nicholasmaggiulli   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

What kind of mood would you find yourself in if a tree fell onto your house? Would it ruin your day? Our guests might have something to say about that…   Joining me today are two of the most outrageously optimistic, enthusiastic experts in personal finance, Joel O'Leary and Joel Laarsgard.   I’ll often have clients come in and say, “Jesse, we really want to approach things conservatively. I mean after all, you’ve seen the news, right? We know we’re heading into a recession.” And on one hand, of course, we want to be paying attention to the economy, but what do the short term fluctuations in the news cycle really mean to us over the span of 30 years? We shouldn’t let a negative bias harm our long-term financial health.    Today we discuss if there’s truly a force behind the power of positivity and what it could mean in your financial situation. After all, one of Joel’s favorite quotes is “invest like an optimist and save like a pessimist.” So, join me in this lighthearted conversation as we break it all down.   More of Joel Laarsgard: https://5amjoel.com/   More of Joel O’Leary: https://www.howtomoney.com/   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Today’s episode starts in Minnesota, during an experiment where young men were intentionally starved. They knew starvation would affect their body, but were shocked by how it affected their brains. We then travel to Johnsonburg, a small town in Pennsylvania, where an unexpected event involving deer and a newly constructed bridge made headlines.    Did you know that mammal brains, including ours, share a common trait? It's called the amygdala, a remarkable part of our brain responsible for our fight or flight response. Just like the deer that instinctively jumped off the highway bypass, we too have an impulse that urges us to take drastic action when faced with fear. In the context of investing, this impulse often leads us to panic sell our portfolios during market downturns.   But is this fear-driven response always rational, or is it short-sighted? Fear, after all, is a survival mechanism designed to prompt us into action that alleviates the feeling of fear. However, when it comes to our investments, is it more crucial to survive negative outcomes than to chase maximum returns during favorable times?   Today, Jesse explains the psychology of investing including the answer to a popular question, should you have bonds in your investment portfolio? Only when the tide goes down do we discover who’s been swimming naked. Don't let fear dictate your financial future, and instead learn why the true cost of investing is all psychological.   Mentions: Malcolm Gladwell’s podcast episode:  https://www.pushkin.fm/podcasts/revisionist-history/the-department-of-physiological-hygiene   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

You might’ve seen it on the nightly news or read it in the morning paper, but things got a little tense on Capitol Hill leading into Memorial Day weekend. Today we’re going to talk about the debt ceiling crisis that almost happened in the US. Luckily, politicians figured it out, or at least kicked the can down the road. So, what does that mean for your finances?   Well, hopefully nothing. But what about a couple looming questions like: What are the underlying factors that contribute to the need for the government to raise the debt ceiling repeatedly? Can the Treasury continue to take on debt? Does the recurring debt impact the long-term credibility of the government's financial decisions? How does the uncertainty surrounding the debt ceiling affect financial markets, investor confidence, and economic growth both domestically and globally?   Jesse’s here to break down what is another confusing topic sure to affect investors of all kinds, the national debt ceiling.   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Investing can be stressful. We worry when our accounts are going down and grow overconfident when our accounts are going up. So how do we find a good baseline?    Surprisingly, one of the answers has to do with chess and a Chinese emperor.    Sit back and let Jesse improve your investing mindset as he explains 7 intriguing stories and facts about how the stock market works.   Mentions: *Actual Stock Market Returns* Will Change Your Investing Perspective…: https://bestinterest.blog/actual-stock-market-returns/ Aswath Damodaran: A Valuation Expert’s Take on Inflation, Stock Buybacks, ESG, and More: https://podcasts.apple.com/in/podcast/aswath-damodaran-a-valuation-experts-take-on/id1462214964?i=1000613283867   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Time is coming for us all, and according to one survey, 73% of adult children haven’t had detailed conversations with their parents about their parents’ finances. In fact, many of them don’t know how to even start the discussion.   Today, on The Best Interest Podcast, Jesse explains a few ways to bring up this conversation, gather information, and details which topics you should discuss not just with your parents, but family at large.   Communication is a huge part of personal finance and all relationships, and the mixture of finance and family is a place where communication is paramount.   Jesse also reflects on the five regrets we commonly have at the end of life, and how David Foster Wallace thinks we should approach living a meaningful life.   Mentions: GOBankingRates Survey: https://www.gobankingrates.com/saving-money/family/americans-discuss-finances-aging-parents-survey/ Bronnie’s List: https://bestinterest.blog/the-top-5-regrets-of-the-dying/ This is Water: https://www.youtube.com/watch?v=DCbGM4mqEVw   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Today, we explore the concept of FIRE, a community of individuals dedicated to the principles of achieving financial independence and early retirement.    Jesse plays devil’s advocate against FIRE, dives into the nuance of the 4% rule (a widely misunderstood concept in the FIRE community), and demonstrates how to shape financial independence to work for your personal goals.   Then, Brad Barrett, the host of the popular personal finance podcast Choose FI, joins Jesse to cover the objective numbers when it comes to achieving financial independence before traditional retirement and why pursuing financial independence may be worthwhile even if you don't reach full FIRE.    Mentions: Wade Pfau’s Updated Trinity Study: https://www.forbes.com/sites/wadepfau/2018/01/16/the-trinity-study-and-portfolio-success-rates-updated-to-2018/?sh=18e5e1946860   The Origin of the 4% Rule: https://www.fa-mag.com/news/choosing-the-highest--safe--withdrawal-rate-at-retirement-57731.html   Mr Money Mustache’s Shockingly Simple Math: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/   Die with Zero: https://amzn.to/3LTxmh5   FIRE Starter: A Brief Intro to Personal Finance’s Hot New Acronym: https://bestinterest.blog/fire-starter-a-brief-intro-to-personal-finances-hot-new-acronym/   You’re Probably Using the 4% Rule All Wrong: https://bestinterest.blog/the-4-percent-rule/   How to Retire Decades Early: https://bestinterest.blog/how-to-retire-decades-early/   Choose FI Podcast: https://www.choosefi.com/   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Three things are certain in life: death, taxes, and a couple weekly articles from The Best Interest. Today we explore the intersection of two of the most important components of personal finances, taxes and investing and why you might save thousands of dollars off your tax bill.   Jesse tackles the topic of taxes from a few different angles: the most common mistakes in understanding taxes including tax brackets, how they work and why accepting a raise can’t decrease your take home pay, the RRTTLLU framework of assessing investments and taxes, the “real returns” of different tax-advantaged accounts, and a deep-dive lesson in capital gains taxes.   Mentions: Capital Gains Taxes 101: https://bestinterest.blog/capital-gains-taxes-101/ Roth is Better Than Traditional: https://bestinterest.blog/roth-is-better-than-traditional/ How Do Taxes Affect Stock Return?: https://bestinterest.blog/how-do-taxes-affect-stock-returns/ RRTTLLU: https://bestinterest.blog/rrttllu/ 15 Minutes Saving $120,000: https://bestinterest.blog/15-minutes-of-math/ How Do Tax Brackets Work?: https://bestinterest.blog/how-tax-brackets-work/ Reddit Investing Question: https://docs.google.com/spreadsheets/d/1-9EB24Y-ow0yutfVoWICM4We9p4m9b7C4JRoqKI9G_c/edit#gid=0   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Uncle Jim is certain Tesla stock is about to go up. He’s been right before. I mean he’s also been wrong, but only when something unpredictable happened. So, should we trust Uncle Jim knows what he’s talking about?   Well, I’m confident the average “Uncle Jim” is way too overconfident. Larry Swedroe says the biggest risk to most investors is staring them in the mirror, and I’d have to agree.    So, how does this overconfidence manifest itself in investors, and where does it come from? Sit back as I explore the concept of self-attribution bias and how to find yourself in the Goldilocks zone of confidence where it’s not too warm, but not too cold.    Mentions: A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing: https://amzn.to/3GsT6OH “Men’s Honest Overconfidence May Lead to Male Domination in the C–Suite”: https://www8.gsb.columbia.edu/newsroom/newsn/1879/mens-honest-overconfidence-may-lead-to-male-domination-in-the-csuite “Overconfidence – Investors’ Worst Enemy” by Larry Swedroe:  https://www.evidenceinvestor.com/overconfidence-investors-worst-enemy/   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Why is personal finance so complicated? Even worse, the Internet is full of personal finance “experts” providing short-sighted, error-prone, and outright bad financial advice.    Sure, we all need the basic advice - investing 101, budgeting, how to avoid financial frauds. But then there’s the more complicated stuff…   What happened at Silicon Valley Bank in March 2023?  Why did bonds - a supposedly safe investment - suffer losses in 2022?  How did the Great Financial Crisis happen - and could it happen again?!    We all want to understand significant financial events but don't want to constantly read and watch a stream of negative news that stresses us out.    Real topics with real implications, deserving a simple, straight forward explanation. We don’t have time to be Warren Buffett or get Economics PhDs. We shouldn’t have to! But we need to be aware of what’s going on. This stuff affects our lives.    That’s where The Best Interest Podcast come in, hosted by me, Jesse Cramer.    I take the important news, break it down in simple terms, and reinforce the important personal finance advice that these events should teach us.   I use everyday experiences to make personal finance accessible for the average investor. Extensive research and simple narrative makes finance both informative and enjoyable.    By day, I work for a fiduciary wealth management firm in Rochester, NY, helping clients 1-on-1 create their long-term financial plans and investment portfolios. By night, I runs The Best Interest - nominated in 2022 for "Personal Finance Blog of the Year.”    The Best Interest simplifies personal finance and investing to make your life easier, smarter…and a little richer, too. Come invest in knowledge with The Best Interest.

If a guy from Facebook messages you about whole life insurance more than your mom texts you, it's time to be suspicious. He may have more interest in your wallet than your well-being.   But not all insurance is bad. Insurance is meant to protect wealth, not create it, and anyone who’s crashed their car or broken their clavicle knows this to be true.    So, what insurance is right for you? Jesse breaks down the types of personal insurance that can help protect your assets, your health and your loved ones. Oh, and he also throws shade at that guy from Facebook trying to sell you on whole life insurance. Spoiler alert: more often than not, whole life insurance isn’t optimal for you.   But Jesse’s no expert on insurance, so he brings in Broc Buckles, owner of BC Brokerage, a fee-only insurance brokerage focused on making insurance simple. Broc walks us through what kind of insurance a 25-45 year old might benefit from, what insurance is overkill, and the difference between whole life vs term life insurance.    Follow Brock: Website: https://www.bc-brokerage.com/ Email: Broc@bc-brokerage.com   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Bank runs, collapses, and bailouts. Anyone else getting GFC PTSD? The Silicon Valley Bank collapse is the largest bank collapse since the 2008 Great Financial Crisis,, and the second largest U.S. bank collapse ever. So, why did it happen? Will this spark a larger contagion throughout the banking sector and the U.S. economy, and should everyday savers be concerned?   Jesse breaks down the larger infrastructure of the banking industry, what specific mechanics led to the failure of Silicon Valley Bank, and what might come of it in the near future.   Mentions: Blog: https://bestinterest.blog/silicon-valley-bank-101/ It’s a Wonderful Life Bank Run: https://www.youtube.com/watch?v=iPkJH6BT7dM&t=5s Why Warren Buffett Said No to Lehman and AIG in 2008 WSJ: https://www.youtube.com/watch?v=1QeUcfqkUzc   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

So what did Warren Buffett mean by silver tongued demagogues and slaying dragons? Jesse sits down with Rob Bradley, a fellow Berkshire Hathaway shareholder and CFP in Rochester, NY, to discuss the wealth of knowledge behind Berkshire Hathaway’s latest annual letter to shareholders.    Buffett is widely regarded as one of the greatest investors of all time and his investing style has been studied and emulated by many investors over the years. Rob breaks down how Berkshire Hathaway has outperformed the S&P, invested in Apple as an indispensable consumer product, and poised itself to take advantage of domestic businesses based on their intrinsic value.   Quotes: "Charlie and I are not stock pickers. We are business pickers." "When you are told that all repurchases are harmful to shareholders or to the country or particularly beneficial to CEOs. You are listening to either an economic illiterate or a silver tongued demagogue, characters that are not mutually exclusive."  "Successful investing takes time, discipline and patience. No matter how great the effort, some things just take time. You can't produce a baby in 1 month by getting 9 women pregnant.” “Bitcoin was probably rat poison squared.” "Interest rates are to financial instruments as gravity is to matter."    Mentions: Becky Quick, of CNBC will review questions that shareholders have submitted by e-mail and select those she believes will have the widest interest. Questions can be submitted to Becky at berkshirequestions@cnbc.com.   Berkshire Hathaway Annual Letter: https://www.berkshirehathaway.com/letters/2022ltr.pdf   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Truth be told, personal finance is simple. There’s only a small number of foundational rules and a sprinkle of middle school math involved.    But our natural human short-comings make personal finance difficult to enact. So, how can we overcome the biases and behaviors that prevent us from successfully achieving our financial goals?    Jesse simplifies personal finance into three basic rules: spend less than you earn, save or invest the difference, and create safety nets. It’s great to have a foundation, however, we all know the devil’s in the details, so Jesse shares analogies regarding The Leaning Tower of Pisa, a former NFL player who grew up in poverty, and Warren Buffet to illustrate the nuance of his three rules.   Mentions: “The Easiest Money That Investors Ignore” https://bestinterest.blog/easiest-money-investors-ignore/ “Isn’t Personal Finance Pretty Simple?!” https://bestinterest.blog/simple/ “The Golden Rule of Personal Finance” https://bestinterest.blog/golden-rule/   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

While the idea of living in a meritocracy is desirable, as it rewards those who do better, is it prevalent in today’s society?    With 25% of American households making less than $30,000 a year, do billionaires really offer 200,000 times the merit than them? At what age do we start to blame the poor kid, a victim of bad luck his entire life, for his poor circumstances? Is anyone really self-made? Or does everything unfold by mere chance?   I invite Sam Dogen, The Financial Samurai, to discuss the role merit plays in the real world and how you can position yourself to achieve success.   Mentions: Jeff Bezos and the Meritocracy Kings: https://bestinterest.blog/meritocracy/ Learn About The Financial Samurai: https://www.financialsamurai.com/about/ How to Survive the War on Merit: https://www.financialsamurai.com/how-to-survive-the-war-on-merit/ Buy This, Not That on Amazon: https://amzn.to/3Wz1G3L   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

2022 was a unique year for investors. Let’s compare last year’s bond and stock performances with historical trends to paint a bigger picture. Looking ahead to 2023 and beyond, there are reasons to be optimistic.    Next, underneath all the snow, there’s a cold lesson that came from the unexpected events of the Buffalo blizzard. Hear Jesse’s firsthand account and the important lesson learned.    And finally, Jesse shares 9 scientific tips to help you achieve your New Year's Resolutions, especially financial resolutions.   Mentions:   https://bestinterest.blog/2022-is-a-uniquely-bad-investing-year/   https://bestinterest.blog/making-2022-feel-much-better/   https://bestinterest.blog/9-scientific-facts-to-improve-your-finances/ https://fs.blog/everything-you-need-to-know-about-habits-the-science-of-habit-formation-and-change/ https://www.youtube.com/watch?v=Wcs2PFz5q6g&feature=emb_title   https://bestinterest.blog/buffalo-blizzard/ https://www.youtube.com/watch?v=ghYUuzhxDfs&feature=emb_title More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog   The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.